$310,000
38648 FERM CIRCLE, ZEPHYRHILLS, FL 33540
Beds
3
Baths
2
Sq Ft
1,304 sq ft
Year Built
1985
Lot Size
0.26 acres
Garage
1
About This Property
Welcome home to 38648 Ferm Circle, a beautifully maintained 3-bedroom, 2-bathroom nestled under a canopy of gorgeous mature oaks in the heart of Zephyrhills. This 1,404 sq ft gem sits on a generous 0.26-acre fully fenced lot, offering the kind of privacy and space that's getting harder to find. Step inside to a bright, open living area featuring vaulted ceilings and new flooring throughout, creating a fresh, move in ready feel from room to room. The eat in kitchen offers plenty of cabinet and counter space and a cozy dining nook perfect for morning coffee. Peace of mind comes standard here with double pane windows, a newer drain field, and a newer hot water heater major ticket items already handled for you. Step outside and fall in love with the massive, fully fenced backyard shaded by mature oaks plenty of room to garden, entertain, or just relax. A large covered carport offers room for a boat, RV, or trailer, ideal for the outdoor enthusiast who needs space for the toys. Not to mention a huge shed connected to electricity. Bonus: With an acceptable offer, a 1985 ProCraft boat with a 2024 Honda motor can be included hop in the water without the extra shopping trip! Centrally located in Zephyrhills with easy access to shopping, dining, and Tampa's outdoor recreation, this move in ready home won't last.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US-301 South: Turn east onto Pretty Pond Rd. Turn left onto Wire Rd. Turn right onto Ferm Circle. Home will be on the left/right. Alternate from I-75: Take the SR-54 E exit. Turn left onto Gall Blvd (US-301). Turn right onto Pretty Pond Rd. Turn left onto Wire Rd, then turn onto Ferm Circle.
Location
38648 FERM CIRCLE, ZEPHYRHILLS, FL 33540
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$310,000
Loan Term
How to Buy This Home
Multiple financing options available for this $310,000 home in ZEPHYRHILLS.
🏛️
FHA Loan
$10,850 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$15,500 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pasco County SHIP
Varies
Income-qualifying Pasco residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: September 16, 2026.